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By Seevcash
SeevCash is a mobile and web platform designed for African migrants and freelancers, enabling fast, low-cost global payments and seamless access to stable digital dollars. The platform combines US, UK, and Euro virtual accounts with powerful Stellar-based infrastructure for remittances, spending, and yield generation.
1. Personal Cards Users can create and manage virtual personal cards for everyday spending.
How Stellar is used: Cards are backed by USDC issued and settled instantly on the Stellar network.
Impact: Enables seamless local and international transactions with near-zero fees, significantly improving user retention and daily engagement.
2. Corporate Cards Businesses and organizations can issue, assign, and manage multiple corporate cards with spending controls.
How Stellar is used: Corporate card balances are held and transferred as USDC on Stellar for fast, transparent, and auditable settlements.
Impact: Opens a new B2B revenue stream while providing companies with efficient tools for expense management and payroll.
3. MoneyGram Integration Users can instantly cash out USDC to cash via MoneyGram locations or cash in fiat for USDC.
How Stellar is used: Stellar USDC serves as the bridge for fast, low-cost conversion between digital and physical cash.
Impact: Dramatically improves accessibility for unbanked and underbanked users, driving higher transaction volume and repeat usage.
4. Stellar Anchor for Ghana Cedis (GHS) A full-featured Stellar Anchor supporting programmatic (SEP-6) and hosted (SEP-24) onramp/offramp between GHS and USDC, including quote services (SEP-38) and cross-border payments (SEP-31).
How Stellar is used: SeevCash acts as a licensed on/off-ramp gateway on the Stellar network, allowing wallets and apps to connect directly for GHS <> USDC flows.
Impact: Generates significant new revenue ($10k–$20k monthly targeted before Q4) through fees while solving liquidity challenges and positioning SeevCash as a key infrastructure player in the Stellar ecosystem.
5. USDC Wallet & DeFi Yields Users hold USDC with access to competitive yields through DeFi strategies via Defindex.
How Stellar is used: All holdings and yield-generating activities are powered by the fast, low-cost Stellar blockchain via Defindex.
Impact: Increases user retention by offering passive income on idle balances, encouraging longer-term holding.
6. Global Virtual Accounts (US, UK, Euro) Users receive local account details in major currencies for easy inbound payments.
How Stellar is used: Funds are converted and settled via USDC on Stellar for speed and cost efficiency.
Impact: Simplifies cross-border receipts for freelancers and migrants, reducing reliance on expensive traditional remittance channels.
$149.4K
We have demonstrated strong momentum with nearly $1 million in total on-chain transaction volume and over $10,000 in cumulative revenue to date. This includes more than $500,000 tracked on our Dune Analytics dashboard and an additional $300,000 processed via Bridge.
Users: Grew from 15,000 to over 24,000 (+60%)
Processed Volume: Increased from $327,000 cumulative through December 2025 to $630,000 in Q1 2026 (monthly run-rate grew 7.3× compared to December)
Revenue: Rose from ~$4,000 cumulative through December 2025 to $6,000 in Q1 2026. March run-rate exceeded $3,000, bringing total cumulative revenue to $10,137.
Monthly Active Users (MAU): Increased from 500 to 2,500
Daily & Weekly Active Users: Daily Active Users (DAU) grew from ~50 in December to 450, while Weekly Active Users (WAU) reached 1,000
Our highest-paying segment continues to be Ghanaian migrants and freelancers remitting from the US to Ghana. This corridor generates approximately $83 in revenue per $1,000 transferred through stablecoin P2P and OTC flows on Stellar.
Retention remains a key focus. We are confident that the upcoming launch of our personal and corporate card program and the MoneyGram partnership will significantly boost repeat usage. Meanwhile, our Stellar Anchor platform will improve liquidity and drive revenue to $10,000 – $20,000 per month before Q4 2026.
Q2 2026 has started strongly — we processed $150,000 in transaction volume within the first 7 days alone. Our goal is to achieve 4× Q1 results, targeting consistent monthly revenue of $5,000 and above.
SeevCash is growing rapidly, and receiving this build award will help bring our most ambitious goals of processing unto $100 million this year to life.
Kindly find the link to our overall budget for a detailed breakdown.
(Deliverable Roadmap) – MVP
Milestone 1: Personal Cards – Design Phase
Brief Description: Create wireframes and high-fidelity UI/UX designs for the Seevcash Mobile App, covering the complete user journey for personal card creation and end-to-end usage, including everyday transactions.
How to Measure Completion: Delivery of low-fidelity wireframes and high-fidelity designs in Figma for personal card creation flow and transaction usage.
Estimated Duration: 3 weeks
Budget: 10,800 USD
Milestone 2: Personal Cards – Development Phase
Brief Description: Develop backend APIs and implement frontend integration for personal cards, enabling users to complete KYC, create cards, set PIN, view card details, top up, withdraw funds, freeze card, and change PIN.
How to Measure Completion: Successful end-to-end testing where users can create and fully manage personal cards via the mobile app with all APIs integrated and functional.
Estimated Duration: 8 weeks
Budget: 32,000 USD
Milestone 3: Anchor Protocols Foundation (SEP-1, SEP-10 & SEP-12)
Brief Description: Implement foundational Stellar Anchor protocols (SEP-1, SEP-10, and SEP-12) to establish base anchor capabilities for Ghana Cedis.
How to Measure Completion: SEP-1 stellar.toml is discoverable, SEP-10 authentication and SEP-12 KYC data transfer are successfully implemented and tested.
Estimated Duration: 2 weeks
Budget: 8,800 USD
Complete MVP Deliverable
Total Budget (Tranche 1): 51,600 USD
(Deliverable Roadmap) – Testnet
Milestone 4: Corporate Cards Design + MoneyGram Design Phase
Brief Description: Design wireframes and high-fidelity UI/UX for corporate card creation, assignment, management and end-to-end usage on Seevplus Web and Mobile Apps. Simultaneously design the complete user journey for MoneyGram Cash-out and Cash-in on the Seevcash Mobile App.
How to Measure Completion: Delivery of low-fidelity wireframes and high-fidelity designs in Figma for both corporate card flows and MoneyGram Cash-out/Cash-in experiences.
Estimated Duration: 4 weeks
Budget: 7,680 USD
Milestone 5: Personal Cards Testnet Integration + Corporate Cards Development Phase
Brief Description: Integrate and test personal cards on Testnet. Develop backend APIs and frontend integration for corporate organizations to create, assign users to, and manage corporate cards (including PIN setup, top-up, withdrawal, freeze, and PIN change).
How to Measure Completion: Users can successfully perform end-to-end personal card operations on Testnet. Corporate card creation, assignment, and full management are functional and tested.
Estimated Duration: 12 weeks
Budget: 30,720 USD
Milestone 6: MoneyGram – Development Phase
Brief Description: Develop backend APIs and frontend integration to enable users to initiate MoneyGram Cash-out and Cash-in transactions, including generation of redirect links for transaction completion.
How to Measure Completion: Successful end-to-end testing on Testnet where users can initiate and complete MoneyGram Cash-out and Cash-in flows via the mobile app.
Estimated Duration: 6 weeks
Budget: 15,360 USD
Milestone 7: Anchor Protocols – SEP-6 & SEP-24 (Testnet)
Brief Description: Implement SEP-6 programmatic deposit/withdrawal and SEP-24 hosted interactive deposit/withdrawal on Testnet to enable GHS onramp and offramp flows.
How to Measure Completion: External wallets can connect via SEP-6 and e-commerce/wallet apps can integrate widgets via SEP-24 for Pay-in and Payout to/from Ghana Cedis on Testnet.
Estimated Duration: 6 weeks
Budget: 21,120 USD
Testnet Development Budget
Total Budget (Tranche 2): 74,880 USD
(Deliverable Roadmap) – Mainnet
Milestone 8: Corporate Cards & MoneyGram – Mainnet Release
Brief Description: Conduct final testing and public release of personal cards, corporate cards, and MoneyGram integration on the Stellar Mainnet.
How to Measure Completion: Personal cards, corporate cards, and MoneyGram Cash-out/Cash-in features are live and fully functional on Mainnet.
Estimated Duration: 2 weeks
Budget: 7,040 USD
Milestone 9: Anchor for Ghana Cedis – Revenue (SEP-38, SEP-31 & Full Launch)
Brief Description: Implement SEP-38 quote service and SEP-31 cross-border payments, followed by final integration, testing, and public release of the complete Anchor service on Stellar Mainnet to enable full revenue-generating GHS onramp and offramp.
How to Measure Completion: All Stellar protocols (SEP-1 through SEP-38) are fully integrated. Users and partners can successfully perform onramp/offramp to Ghana Cedis via programmatic and hosted flows on Mainnet.
Estimated Duration: 6 weeks
Budget: 15,840 USD
Mainnet Deliverables Budget
Total Budget (Tranche 3): 22,880 USD
We are a team of 10 full-time employees building on Stellar, with deep experience in blockchain-agnostic on- and off-ramp solutions.
Led by three co-founders with over 30 years of combined industry experience (including 10 years in Web3):
CEO Dawuda Iddrisu: Former CTO at BezoMoney and Ex Country Manager and Product Manager at Kotani Pay, an African on-/off-ramp startup, for 2.5 years.
CTO: Built Speednance, a crypto exchange platform, single-handedly for a client.
Chief Product Designer Charles Owusu: Long-time collaborator with Dawuda (since 2016) on projects including entervarsity.com; expert in React, vanilla JavaScript, and product design tools.
We actively engage our community on LinkedIn, Instagram, and WhatsApp, and participate in local events as sponsors and organizers.
Our founding team’s 10-year collaboration history across DeFi, fintech, mobile, and web projects uniquely positions us to build and scale SeevCash. Our CEO’s recognition as a Microsoft MVP in AI for three consecutive years further highlights our technical leadership.
Cosmos Appiah
Charles Owusu
Dawuda Iddrisu
By Seevcash
Seevcash - P2P Payment with USDC